When is the disability appraisal of commercial insurance mentioned and what is the process?

First of all, commercial insurance.

The time for disability appraisal is generally determined according to the insurance contract and has a certain period of time. The setting of the length of the disability rating appraisal period is not only related to whether the insured has a reasonable period of time to determine the injury for claims, but also involves the starting time of the statute of limitations for claims. Therefore, the purpose of setting the deadline is to ensure that the various medical treatment expenses to be paid are related to the disability accident that occurred.

Secondly, the disability identification process of commercial insurance is roughly as follows:

1. Accident insurance.

The disability appraisal is carried out at the forensic appraisal center, and a complete medical record needs to be brought.

and the doctor's diagnosis certificate, and the staff of the laboratory can only verify the disability level after consulting the complete medical records;

2. The identification of work-related injury and disability needs to be determined by work-related injury.

After that, I took my medical records to the local labor ability appraisal committee to determine the level of disability.

3. Specifically, the materials required for the identification of disability levels are as follows: medical records and hospitalization records, all **, traffic accident certificates, admission and discharge summaries, and ID cards of the appraised person.

If the traffic accident injury is more serious, it is recommended that the disability level be handled by a lawyer.

From the above, it can be seen that the disability appraisal in commercial insurance is not completely consistent, such as the disability assessment standards of accident insurance and work-related injuries.

It's different, the appraisal agency is different. The appraisal agency of accident insurance is generally appraised by a judicial appraisal institute, and it generally requires a disability of grade 8 or 7 to be compensated; Work-related injuries are identified by hospitals designated by the Labor Bureau, and work-related injuries are identified by incapacity rather than personal injuries and disabilities, which is a certain difference.

Then on the specific period of accidental disability appraisal of commercial insurance. The terms of insurance for accident insurance generally stipulate that the disability will be determined within 180 days of the accident. A small amount of advance or delay is within the normal range.

Finally, the specific time limit for the appraisal of work-related injuries in commercial insurance. If an accident occurs at work, the employer shall apply for a work-related injury determination within 30 days (time limit), and if it exceeds 30 days and less than one year, it can also apply, but the cost before the determination shall be borne by the unit. If the employer fails to submit an application for recognition of work-related injury in accordance with the regulations, the employee or his relatives may be diagnosed with an occupational disease on the date of the accident or in accordance with the regulations.

Apply within one year.

Yes, is there a problem with your cousin when you make a claim, and the accidental compensation has death, high disability, disability, accidental hospitalization medical treatment and accidental hospitalization allowance, and you must rate the disability claim.

Legal analysis: The first step: the unit handling the sail case issues a letter of entrustment; Step 2: Conduct appraisal at the entrusted appraisal unit; Step 3: Make an appraisal within the statutory time, and the person being appraised or the case-handling unit will take away the appraisal and repentance of the rent.

Legal basis: Insurance Law of the People's Republic of China

Article 1 This Law is enacted in order to regulate insurance activities, protect the legitimate rights and interests of the parties involved in insurance activities, strengthen the supervision and management of the insurance industry, and promote the healthy development of the insurance industry.

Article 2 The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility to compensate for the property losses caused by the occurrence of an accident that may occur as agreed in the contract, or bears the responsibility to pay the insurance money when the insured dies, is disabled, or is sick, or when the insured reaches the age and time limit agreed in the contract.

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Dear, ask, commercial insurance. Disability Appraisal to ** Identification.

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Hello, according to the situation of your empty and ruined description, I have inquired for you, and the judicial department generally entrusts the disability appraisal agency to do the corresponding appraisal. The disability appraisal of work-related injuries generally goes to the work-related injury appraisal center of the local social security department, while in other cases, you can go to the local judicial appraisal center for disability appraisal.

There is only commercial insurance, where should I go for identification.

Hello, according to the situation you said, the same is true for commercial insurance, and you can also identify it by going to the work-related injury appraisal center of the local social security department.